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In Boston, for example, about 8% of all ATMs had been upgraded, even as some banks could boast that their networks have been 100% upgraded.

Dworsky reports that according to a Mastercard spokeswoman, only about 33% of ATMs in its network currently use EMV technology to make it harder to clone cards with a skimmer.

Yet according to self-reported figures by ATM operators, in some cities the figures are lower than that: 11% of machines in Atlanta were reportedly upgraded, according to the analysis, and only 7% in New York City. Let’s hope that banks are just so busy upgrading their ATMs that they haven’t had time to update the website.

Why should this matter to you, an ATM user? ATMs are vulnerable to attacks: the shift to chip readers in retail means that thieves have turned to ATMs and debit cards while the magnetic stripe party is still going on at the majority of cash machines.

Machines that use chips aren’t invulnerable, but are less vulnerable to attacks, and more importantly an upgraded machine means that the liability shift is on the card network, not on the bank or even the grimy locally owned bar where you found the ATM.